Vienna is quiet and moody in the winter. You will spend your days moving between ornate Habsburg palaces and the velvet booths of century-old coffee houses. January through March is the best time to go if you want to avoid crowds and enjoy the city at a slower, more affordable pace.
We look at a $2300 budget for a trip like this. Spreading that cost out helps keep your monthly cash flow steady without draining your bank account all at once.
That 15-month intro window is a deadline, not free money. If you have a balance left over when those 15 months run out, you will start paying interest on whatever remains.